I think a lot of life insurances require you do those sorts of things to stay covered. At least to my knowledge some do. If you’re unhealthy, your insurance goes up, but if you’re safe, a non-smoker, don’t drink, and get your bi yearly checkups, you shouldn’t have a high bill or high rates.
A lot of life insurances will require you to be healthy, otherwise your rates go up, because technically for the insurance agency, that person would be high risk if they’re unhealthy. Healthy people are low risk, so they are easier to cover.